AMI Insurance is one of New Zealand's leading insurance agencies but as an insurance company there is a lot of negative stigma. When choosing my personal insurance I stumbled on this post about AMI Insurance on Reddit discussing the pros and cons.

The post mostly talks about the claims process, not just the cost, and while there were some bad comments (I think there always will be) there were a few that really stood out.

"They paid out for my car in 6 days."

"House fire about four years ago - about 100k damage. AMI were great from the night if the fire onwards. Couldn't have asked for a better experience.

Other's are loving State Insurance who look to be under the same branch at IAG - "I've been with State for 15 years, 4 or 5 vehicle and contents claims, no issues at all."